ME Bank Avis 

I’ve been with ME Bank for over 10 years and have never had an issue, they’ve always been helpful and reliable.
Recently we decided to refinance our loan, and the experience has been extremely disappointing. We began the process in mid‑April and it’s now the end of June, and we are still unable to finalise anything.
There has been one issue after another, including being told they “don’t have our email address,” despite years of communication. The communication has been sporadic, and although we were advised the process would take 2–3 weeks, it has now been over 8 weeks with no clear progress.
For the past 6 weeks, it has been almost impossible to contact anyone. When calling outside business hours, we’re told to call back during business hours. When calling during business hours, we’re told the phone lines are too busy and to try again later in the week. We simply cannot get through.
These delays have now impacted our purchase and will cost us significantly more than originally planned. I’m incredibly disappointed, especially given how good ME Bank used to be. I genuinely feel for the staff it must be difficult working under these conditions knowing something isn’t right.
At this point, I’m seriously considering moving my loan to another bank. But as mentioned we went for the new loan as they have been incredible in the past.

ME Bank is a horror story of banking and customer service. I have been with ME for about 20 years and they recent business transition to ME Go or however they call that brand or service have made me to move all my banking and funds to more friendly, more professional, more trained and more reliable real bank.
A real disappointment and not recommended to anyone.

This bank is the most incompetent company I’ve ever dealt with.

As soon as the transfer to me go occurred the issues started!
- new cards required for the involuntary transfer didn’t arrive in time so I had no access to money for over 2 days
- my account name was and still is incorrect despite escalating twice
- locked out of my online banking for no reason
- merchant names for direct debit transactions are now showing the wrong business and they apparently don’t know how to fix it
- my new card came up as expired as of today despite its expiry reading 2029. They don’t know how to fix this so now I can pay for anything
- the migration of my statements etc hasn’t been done so I don’t even know if the amounts that were in my account before the change over are the actual amounts in my account.
- because my account name is wrong my other blanks flagged it as suspicious causing them all to lock me out.
I’ve now spent over 5 hrs on hold in total. With no answers.

Just not contactable, I want to discharge my homeloan with them to refinance, they just wont answer the call.
Very poor poor service, just no regard for customer. How does APRA or ASIC let these kind of ppl operate in australia

Do not use ME bank. Had a pleasant experience for the first few years but since Feb 2026, they completed an upgrade to there IT since then, ive had Mortgage payments go missing, 100% interest applied on some transactions, 1 x Mortgage payment not processed and then hit with a late Mortgage payment 4 weeks later... Im owed a few grand, unsure if interest has been correctly calculated and have not been able to see any transactions on the account since May 2026.
Rang multiple times sent multiple emails had my first complaint closed after 30 days without resolution to meet a KPI id say. 5 months later I still dont have a case manager.
For a business that manages money for their core business, this is frightening. Do NOT use.

Completely unacceptable wait times when attempting phone contact. They have no physical presence in Hobart and to be told to “call back later in the week” when your account has been blocked is disgraceful.
The “long wait time” message appears to be played at all times. We are seriously thinking of closing all our accounts due to the extremely poor customer service (not the fault of the operators). Show some loyalty to your customers BOQ!!!

Switched over to ME Go and now money is going missing when transferring funds into my Me account. DO NOT USE ME BANK.

I wish I could award less than one star for ME Bank.
I have been a customer for over 20 years with very few problems until they were bought out by Bank of Queensland, and it's only got worse since they migrated their banking system to "ME GO". I won't list all of the banking problems that I've had with them but each one has been exacerbated by the fact that their customer service is now virtually non-existant.
You can no longer communicate with them via an internal messaging system, nor email. I have had to spend a lot of time phoning their call center only to be met with a number of people with either poor English skills or lack of intelligence. They also have one (Chris) who is very precious, insulting and tried to hang up on my wife before I took the phone and gave him a serving. I suspect that he had to go and lie in the foetal position with his emotional support dog afterwards. The fact that they have to ask people to "be kind" during the automated menu message before you're put on hold for up to an hour pretty much tells you everything you need to know. I have never heard such a message with any of my other banks, which I don't have to phone very often because they generally do their job.
I am now in the process of closing all of my accounts and am just hoping that I can get my money out of there and my mortgage discharged without any further problems. Whish me luck because I'm not hopeful.

We put our money in banks because it's meant to be safer than hiding it under the mattress. That's not the case at ME Bank. Money leaves my bank account but doesn't hit my home loan. It disappears into thin air. >2hr wait to speak to someone on the phone and nothing is resolved.
Lodge a complaint with the AFCA and get out as soon as you can.

My latest dilemma with Me Bank is over security. While I totally understand the need for it, I believe ME goes overboard. At the start of calls, I give all my ID details to ‘Alfred’, their automated receiver and then, when I actually speak to someone, usually in an overseas call centre, they ask for it all again, which I give, only to be told the details don’t match theirs so they can’t help me.This has happened twice to me and I’m furious. Now they want driver’s license e photographs. Where will this all end and I still can’t get my enquiries answered! Hopeless customer service at ME!

This bank is dreadful, and worse with the terrible changes in June 2026. Bank statements are inaccurate, do not show running total (I literally have to run my own spreadsheet). All "extra security", and your bank statements online are not up-to-date! How secure is that? The staff are rude, and often incompetent; twice in past year they have paid me compensation for rudeness from their own staff. Avoid this bank.

4 months after initially lodging scam dispute (4 phone calls later) for fraudlent activity on card (notified within 3 hours of transaction happening) - was told today that my claim was never formally lodged and there is no record. Starting process again today - horrible service, no accountability.

I have had a home loan with ME bank for the past 4 years, had a very good service the past few years but service has deteriorated. I have been trying to call ME bank for over a week now unsuccessfully. I am on hold for over 2 hours until the call drops, no answer.
I am been overcharged with an interest rate of 8.5% , instead of the advertised rate 6.1% on their website. I cant get hold of anyone to help me with any explanation of why my interest rates are so high.
I am a very unsatsified customer.

Since ME Bank migrated their home loans to the new ME Go accounts, my account was locked so I could not access my funds for almost a week, wait times to talk to someone on the phone were from 1.5 to 2 hours each time, advice has been inconsistent and follow up zilch. Statements are also missing from my account. I complained to AFCA and ME Bank rang a couple of days later but has only dealt with part of the complaint. There's been no follow up about the rest. A week later, incorrect payments and balances are appearing on my account and I can't see transactions in my home loans. I've also since found out the new ME Go loan package is less favourable than the one I signed up to originally and I can't re-fix my loan without moving to the new package. Shabby, irresponsible and unethical is an understatement! Wish I could rate below 0.

I paid out my home loans with ME Bank but have waited nearly 6 weeks now for them to close and stop auto debits. Meanwhile, they happily take my fortnightly repayments. I can’t communicate with them as chat line is closed, emails aren’t available, it seems and waiting hours on the phone indicates staff shortages and very poor performance in their management. Surely they should be accountable....avoid!

Have spent 8 hours on hold over the two weeks , conflicting responses from call centre staff, shocking service

Transitioned to ME Go. They well over $1000 I made in a deposit due to fault on their end. Fortunately I identified the missing funds. Then sat on hold for over 2 hrs in total to resolve the matter. Do not bank with ME, they could lose your money then take hours of your time to resolve.

The worst bank possible.
A simple refinance has turned into an absolute nightmare with this bank. They froze my accounts and my ability to make payments, meanwhile they kept texting me and calling me to say the payments were overdue. They have now incorrectly reported missed payments on my credit file. DO NOT bank with ME whatever you do.

The worst Bank ever and would never recommend Consultants lie and tell you want they want you to hear just to appease you but what they say doesnt meet up with what they do oh i will send you a Form no Form ever arrives lies lies lies lies lies and even more lies is how they earn a living they have no conscience at all

If I could give a negative star, I would. Horrible bank to deal with. No internet banking since we were all pushed onto an app and the internet site shut down. You pay a bill and they hold onto the money for a few days after it leaves your account, so then you incur a late fee. You call up to enquire about anything at all and wait forever, listening to screechy music. I’m on hold right now and so far it’s been over two hours. Have had to put my phone on charge and wait nearby. Will be closing my Me Bank accounts and going back to Westpac as soon as possible.